Day 23 – Financial Hope

Today I’m trilled to be sharing a story of hope on My Life (His Mission). Head on over to Kerry’s blog and check it out, she’s sharing 31 Days of Hope.

AND there’s a giveaway!!! I’m SO excited to be blessing someone with Financial Peace University. The best part? It’s the online class so you can do it on Baby Time, in your own home.


Don’t you want to be WEIRD?!


Day 19 – Nifty-Thrifty

Cheap. Frugal. Thrifty. All are compliments in my mind :)

Having a baby is expensive, no? Sidebar – paying for college in 18 years?! I used this college cost calculator and we need to save over $140,000 for Merfbaby to attend a Private 4 Year University. I graduated from a Private University so I’ll assume he may attend one too — goooo Panthers!

In a word – yikes.

So, how do you save monies with a tiny human? Here are a few things we’re doing. It might not be millions of dollars, but I’m thinking every little bit saved will help us down the line.

Get Health Insurance

I know this is sort of a hot topic lately, but if you can get insurance I think it’s worth it for the cost of labor and delivery alone. I recently got the bill for our hospital stay (we left 24 hours early, remember) and it was crazy! We were blessed with a non-medicated, natural birth so I can’t imagine what the costs of an epidural, anesthesiologist and c-section might be. Cray-cray. When I opened the claim from the insurance company all I could say was “thank you Jesus that we have health insurance.”


I know not all women are able to breastfeed, but if you can it’s a huge savings! Formula is expensive. There’s all kinds of awesome benefits to breastfeeding, both for you and the tiny human. Just think, every day you’re able to breastfeed that’s one day you’re saving money on formula. Heck, every feeding you can do count that as a savings.

Cloth Diaper

You can do all kinds of research about cloth diapering vs. disposals and the cost/environmental impact. We decided to cloth diaper and it’s working really well for us. It can be a larger investment initially – but if you save some of your gift cards from the baby shower you can purchase your cloth diapers at any baby store – Target, Babies R Us, Buy Buy Baby…We did notice an increase in our water bill, and it does take an extra load of laundry every few days, but I love that we can never “run out” of diapers. We used disposal’s that we were gifted for the early weeks when you’re changing diapers like it’s your job, wait – it sort of is.

Love Pre-Loved 

We are so fortunate to have lots of generous friends and family that have children older than Merfbaby. We accepted any and all clothing/books/toys/baby gear they wanted to hand down. I only recently had to buy some winter outfits since most of what we’d been given was summer 6 month clothing (yes, my not even 3 month old baby is wearing 6 month outfits). Our best hand me downs 2, yes TWO Pack N Plays. Both in excellent condition. We keep one at home and I have one at the office. You better believe that we’re going to hang on to Merfbaby’s stuff for Merfbaby 2.0. Even if we have a girl most of the clothing is neutral – hey, stick a bow on her head and call it macaroni.

Eat In

This one isn’t exactly a baby-only savings. We all know that eating at home is cheaper than eating out. In the early months it’s a challenge to cook meals but if you can prep stuff during your prego days or have friends and family that will bring meals by it’s a great way to save. We go out to eat one meal a week, either a lunch or dinner on the weekend. Merfman and I both had pro-out to dinner families so we think it’s important to get out of the house with Merfbaby like it’s no big thang. Plus, at this point we don’t even have to order for him off the children’s menu ;)

Bring Baby Along

As I’ve mentioned before I’m so blessed that I have an amazing boss and a very casual office environment so I’m able to take Merfbaby to work with me. This has been a huge savings since we haven’t needed to pay for childcare yet. I know childcare is a tax write off, but it’s been great not having that extra expense each month. If you can utilize the Grandparent babysitting system that’s a win too!



Today I completed my final session of Financial Peace University!!

I signed up for the online course in August, and 15 weeks later I’m done! Since we started FPU, Merfman and I have made some awesome changes in our finances, but I’m most thrilled with the change in HOW we look at, deal with and spend those hard earned dolla’ billz.

It’s not rocket science my friends. It’s living within your means the way your Grandparent’s did. If you follow the steps and work the plan it will blow your mind. I promise. When you control your money, you don’t let it control you. I know we’ve all had those weeks and months where we check the bank account and our lighter wallets and wonder…WHERE did that money go?

We have a plan in place, and we’re working toward a financial goal. There’s a snowball to tackel, as Dave calls it, but it’s doable and we’re sick and tired of being normal. Because Normal = Broke. Weird = Good. It’s not easy, it’s hard work. But seeing the results makes you want to work harder.

Is life all about money? Heck, to the no!

There is so much more to life than having a big pile of cash. But, this journey is about changing our family tree, and making much of ourselves. I want to retire someday, and enjoy life with my hardworking Merfman. I want to send my future kids to college debt free, with a solid hold on their finances. I want to GIVE and bless other families someday.

Tis’ the season of giving, and long lines at the mall…circling the parking lot for ANY space. I encourage you to gift someone an education that will change their lives. I’m not being dramatic…so what if I drank the Kool-Aid, it tasted good, it worked and I paid cash for it. We believe in the program and Dave knows what he’s talking about. It’s not some crazy self-help program that’s trying to steal your money, it’s legit. Read the testimonies, talk to people about it. It works.

Avoid the long lines and the grumpy people in the parking lot at the mall. Do you really need to give Aunt so-and-so another set of sunflower tea towels? Give a gift that really will give so much more.